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RIA — Client Plan Margin of Safety

面向 RIA 客户的退休/提取规划知识型 Skill，在父级安全边际方法上叠加领域触发条件与示例：建议持有 1–3 年支出的现金/短债缓冲、下调提取率、针对早期市场下跌做序列风险压力测试，并附验证清单；不含计算代码、数据源或具体投资建议。

deciqai
deciqai
热度 37.22
最近更新 2026-07-17 02:14:36
分类：知识依赖：纯提示词应用场景：财务 / 个人理财

安装技能

复制下面的话术发给你的 Agent，它会通过 secure-skills 检索并安装该技能。

执行命令安装此 skill： npx secure-skills-cli add ria-client-margin-of-safety
Metadata
name
ria-client-margin-of-safety
description
Activate when: building a retirement/decumulation plan; setting cash buffers/withdrawal rates; stress-testing a plan; client near retirement; 'will they be okay if markets drop early?'. Do NOT activate when: pure accumulation with long horizon and no near-term draws. More: deciqai.com/c/ria-client-margin-of-safety

RIA — Client Plan Margin of Safety

Industry front door for margin-of-safety. Adds domain triggers, example, packs only. Parent Process unchanged. Not investment advice.

Activate when: building a retirement/decumulation plan; setting cash buffers/withdrawal rates; stress-testing a plan; client near retirement; "will they be okay if markets drop early?" Do NOT activate when: pure accumulation with long horizon and no near-term draws.

Why this variant

The parent margin-of-safety builds a buffer so estimation error doesn't cause ruin. A retiree's plan lives or dies on sequence-of-returns risk; the margin of safety is the cash/bond buffer and withdrawal haircut that lets the plan survive an early bad market.

Domain inputs → parent's Process

  • Size a spending buffer (e.g. 1–3 yrs of withdrawals in cash/short bonds) so early drawdowns aren't sold at the bottom.
  • Haircut the withdrawal rate below the "optimistic" number; plan to the conservative case.
  • Stress-test against an early-crash sequence, not just average returns.

Worked example

$1.5M portfolio, planned 5% draw, retiring into a rich market. → Margin of safety: hold 2 years' spending in cash, set draw at 4% with a guardrail to cut in down years. A crash in year 1 is met from the buffer, not by liquidating equities low. Plan survives the sequence.

Packs

  • Solo: buffer + guardrail rule embedded in every decumulation plan.
  • Advisory: dynamic-spending (guardrails) policy documented in the IPS.

Red flags

  • Planning to average returns, ignoring sequence risk.
  • No cash buffer; forced equity sales in downturns.
  • Withdrawal rate set at the optimistic edge.

Verification

  • Spending buffer sized to horizon of concern
  • Withdrawal haircut applied vs optimistic case
  • Early-crash sequence stress-tested
  • Guardrail/dynamic-spending rule documented

Part of deciqAI Knowledge Skills. Core method: margin-of-safety.

Part of deciqAI Knowledge Skills — 227 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/c/ria-client-margin-of-safety · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.

Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/ria-client-margin-of-safety.json